Articles tagged with Health Insurance
A study by Georgetown University researchers found that requiring premiums for public health insurance coverage can counteract its expansion effects. The Affordable Care Act subsidies play a crucial role in making health insurance more affordable, affecting the number of uninsured individuals.
The Oregon Health Insurance Experiment made a significant impact on health policy by providing critical evidence for policymakers considering Medicaid expansions. The study found that enrollment in Medicaid substantially increased health care use, reduced financial strain, and improved self-reported health and well-being.
Only 11 states and the District of Columbia have implemented key health insurance market reforms under the Affordable Care Act, leaving 39 states vulnerable to limited enforcement. States must take action to ensure compliance with consumer protections, such as bans on denying coverage due to preexisting conditions.
Average employer-sponsored family health insurance plan premiums increased by 62% between 2003 and 2011, rising to $15,022 per year. Employee payments for their share of health insurance premiums also rose by 74%, with deductibles more than doubling.
Consumers with individual insurance policies received $394 million in rebates, while insurers reduced overhead by $560 million. The Affordable Care Act's medical loss ratio provision led to improvements in administrative costs and medical loss ratios in the individual market.
A recent analysis of voter polls indicates that most Obama supporters favor implementing the Affordable Care Act (ACA) and want to ensure continued federal efforts to provide health insurance coverage. However, this sentiment contrasts with views from Republican voters, who are more likely to oppose parts of the ACA's implementation.
A new report from USC analysis shows that California has a higher proportion of uninsured children compared to the US. The study found that public health insurance and employer-based coverage have increased, but the gap between these options and private insurance has stalled over the past three years.
A University of Michigan study found that 115,000 women lose their private health insurance every year after divorce, leading to depression for more than two years. Women in moderate-income families face the greatest loss of insurance coverage, while full-time work and education can serve as buffers against losing health insurance.
A new study by Virginia Commonwealth University Massey Cancer Center reveals that men with employment-contingent health insurance are more likely to feel 'locked' into remaining at work after a health shock, while those on private or spouse's insurance plans face fewer risks. The Affordable Care Act may alleviate this issue, providing ...
Governor Romney's plan would increase uninsured in every state to 72 million, while the Affordable Care Act reduces it to 27 million; children and low- and middle-income Americans particularly affected
The ACA's Pre-Existing Condition Insurance Plan (PCIP) is providing a temporary coverage option for people with pre-existing health conditions until the new state exchanges are implemented in 2014. State-run high-risk pools, while helpful as a stop-gap measure, are expensive to run and often unaffordable for those who need them.
Mexico has made significant progress towards universal health coverage since 2004, with over 50 million uninsured citizens enrolling in public medical insurance. Key healthcare challenges remain, including disparities in state funding and access to rural areas.
A study of 89 million Americans found that 23 million experienced multiple gaps in coverage, while those with gaps suffered as well as those who remained insured. The researchers highlight the need for stable and affordable insurance to minimize uninsured gaps.
New research from the University of Michigan found that a 10-percentage-point increase in federal matching funds for Medicaid and CHIP is associated with an increase of 1.9 percent in the number of children enrolled in Medicaid nationwide. This translates to approximately 500,000 additional children gaining health insurance coverage.
A recent study by Johns Hopkins researchers reveals that being underinsured is a strong predictor of death among patients admitted to hospital with serious cardiac events. The study found that underinsured patients had a higher risk of early death compared to those with private insurance, regardless of their racial background.
A new study by the Commonwealth Fund found that elderly Medicare beneficiaries have better access to care and financial protection than adults with private coverage. Only 8% of Medicare beneficiaries rated their insurance as fair or poor, compared to 20% of those with employer insurance and 33% who purchased insurance on their own.
According to the Commonwealth Fund report, 20% of US women were uninsured in 2010, up from 15% in 2000. The Affordable Care Act has helped reduce the uninsured rate among women, with an estimated drop below 14% in states where more than one quarter of women lacked coverage in 2009/10.
Young adults were more likely to gain health insurance or stay on their parents' plans after the Affordable Care Act's passage. Many struggled with medical debt and skipped care due to cost, with those without insurance facing greater challenges.
A study of over 7,500 women found that IUDs and implants were significantly more effective than birth control pills, patches, or rings in preventing unintended pregnancies. The study also showed that educating women about the effectiveness of these methods and providing them for free could reduce unintended pregnancy rates.
A new study by the Commonwealth Fund found that 51% of Americans with individual market health insurance plans have 'tin' plans with poor coverage, which would not meet minimum standards. However, once the state-based exchanges launch in 2014, many will be able to purchase better plans with premium subsidies.
A new study in the Journal of Consumer Research found that minor language variations can affect consumers' attitudes towards brands. Consumers tend to feel closer to their bank than insurance company, and using 'we' versus 'you and [the brand]' can impact their perceptions.
A Commonwealth Fund report reveals that nearly two-thirds of individuals who tried to buy individual health insurance policies found it difficult or impossible to find affordable coverage. The report also shows that longer insurance gaps are linked to lower rates of screening and preventive care, with significant disparities among thos...
A study by The Commonwealth Fund found that consumers nationwide could have received nearly $2 billion in rebates if the Affordable Care Act's medical loss ratio rules had been in effect in 2010. This would have resulted from insurers issuing rebates or reducing premiums to meet minimum quality and care standards.
A study found that newly insured and uninsured adults had greater emergency department use than continuously insured adults. Adults with recent changes in health insurance status, particularly those with new Medicaid coverage, were disproportionately likely to use EDs, suggesting reduced access to primary care services.
Massive increases in insurance coverage and inpatient reimbursement have been achieved, especially in rural areas and hospitals, leading to greater equal access to basic health services. However, patients still face catastrophic health expenses, highlighting the need for improved risk protection measures.
The Affordable Care Act may increase convenience for veterans, but also cause fragmentation in care, leading to more emergency department use and hospitalizations. The new insurance options may shift care from VA facilities to private practice physicians, potentially resulting in decreased use of critical services.
During the US economic recession, continuously insured Americans underwent fewer screening colonoscopies due to increased direct out-of-pocket costs. This reduction in screenings was observed across all age groups, with a notable impact on those aged 50-64.
A new study by RAND Corporation concludes that eliminating the individual mandate under the Affordable Care Act would sharply decrease health coverage, but not dramatically hike insurance prices. The number of Americans predicted to get coverage in 2016 would drop from 27 million to 15 million if the individual mandate were eliminated.
Researchers found laws permitting young adults to stay on their parents' health insurance until age 26 result in improved access to healthcare. The study analyzed data from the U.S. Centers for Disease Control and Prevention's Behavioral Risk Factor Surveillance System survey, comparing periods before and after state laws were enacted.
The article discusses the importance of risk-adjustment strategies in navigating equitable health-care reform. States establishing health insurance exchanges must allocate funds based on enrollee medical needs to prevent selection bias, which could lead to plan failures or large windfalls.
A RAND Corporation study concludes that few small employers will choose to self-insure or maintain grandfathered plans due to significant financial risk. The analysis found that stricter regulations will be essential to keep premiums affordable in small business insurance exchanges.
A Kaiser Permanente study found that patients with interrupted health coverage receive significantly fewer preventive tests and vaccines. Continuous health insurance coverage is essential to ensure timely care, even at reduced-cost safety net clinics.
A Rutgers study found that New Jersey children experienced improved access to dental care between 2001 and 2009, but gaps remain based on race/ethnicity, health insurance status, and family income. Non-Hispanic black children were more likely to receive dental care, while Hispanic and uninsured children had lower rates.
A new study finds that public health insurance is a better option for infants, providing more comprehensive benefits and improving their health despite being drawn from disadvantaged backgrounds. Private insurance, on the other hand, may be detrimental to child health due to negative selection.
Health care coverage in rural China increased dramatically between 1997 and 2006, driven by government interventions. Rural-urban inequality in insurance access decreased significantly during this period, benefiting millions of rural Chinese residents.
A study by Johns Hopkins researchers found that black senior citizens are 26% more likely to undergo riskier surgery and spend more time in the hospital recovering from intestinal surgery. Despite equal health insurance coverage, black patients experience higher mortality rates and greater healthcare costs.
Health insurance costs outpaced income growth in every state, with premium increases ranging from 33% in Idaho to 70% in Mississippi. Employees contributed 63% more to premiums while getting less protective coverage, with per-person deductibles doubling over the same period.
A new national study by Ohio State University researchers reveals that wealthier Americans and those with private health insurance fare better in physical functioning. The study found that the disadvantage for the poor snowballs over time, leading to steeper declines in their health as they age.
The US health care system scored 64 out of 100 on key measures, with notable improvements in quality of care but significant erosion in access and affordability. The scorecard highlights the need for targeted efforts to improve areas such as adoption and use of health information technology and prevention of premature deaths.
A new report highlights significant disparities in health care access and outcomes among vulnerable populations. The Commonwealth Fund Commission recommends a three-pronged policy framework to ensure adequate access, financial protection, and improved coordination of care. This will help reduce rates of preventable hospital admissions ...
A new study by Harvard Medical School researchers found that most uninsured patients in Massachusetts are employed but unable to afford employer-sponsored insurance or subsidized state plans. The study suggests that the system of coverage failed those who lost their job, particularly during economic downturns.
A study published in the American Journal of Health Promotion found that consistently practicing Transcendental Meditation resulted in a significant decrease in physician fees for high-cost individuals, with a cumulative reduction of 28% after five years. This technique has major policy implications and could help reduce healthcare costs.
A new study by RAND Corporation reveals that fast-rising health costs have eaten nearly all the income gains made by a median-income American family of four over the past decade. The family would have had an additional $545 per month to spend if healthcare costs had risen only as fast as other goods and services.
A new study found that nearly half of US adults were underinsured or uninsured in 2010, with many struggling to pay medical bills and skipping necessary care. Affordable Care Act reforms could substantially reduce the number of underinsured individuals by up to 70%.
Researchers found a strong association between high-quality medical care and improved health and school engagement in undocumented children. Children with regular access to healthcare reported better academic performance and missed fewer school days due to illness or injury.
Japan's universal health coverage has been a success story, maintaining equity and containing costs over the past 50 years. However, the ageing society of Japan threatens its sustainability, with rising premiums and emerging uninsured populations.
A new Commonwealth Fund report reveals that nearly three-quarters of people who lost their health insurance when they lost their jobs over the last two years skipped needed health care or struggled with medical bills. The Affordable Care Act will provide expanded health insurance options, including subsidies and Medicaid coverage, star...
According to a commentary in JAMA, the individual mandate would strengthen the patient-physician relationship, increase access to health insurance coverage, and stabilize insurance premiums. This could lead to reduced costs and increased life expectancy for patients.
Patient demand for care from safety-net providers in Massachusetts has increased despite expanded insurance coverage following state's passage of health care reform. Newly insured patients continued to seek care at these sites due to convenient locations and affordable services.
A shortage of primary care physicians and limited access to these services are contributing to rising numbers of emergency department visits in the US. The study found that nearly 98% of Americans have health insurance coverage, yet barriers such as wait times and transportation issues remain a major challenge.
A new study by Cornell University researchers found that US physicians spend nearly $61,000 more annually on administrative expenses due to the complexity of US health insurance systems. This burden disproportionately affects nurses and medical staff in the US.
A recent study published in the American Journal of Preventive Medicine found that Massachusetts health reform led to a 7.6% increase in health insurance among residents and a 4.8% decrease in those forgoing healthcare due to cost
A Rutgers survey finds that one-third of NJ immigrant children and over 70% of foreign-born adults lack health coverage, facing significant access-to-care barriers. Immigrants often have lower family incomes than US-born families and report fewer chronic conditions despite higher stress levels.
A new study found that physicians are accepting fewer patients with private insurance, despite the expansion of health care reform. This decline is attributed to low reimbursement rates and administrative complexities, which may hamper access to quality medical care.
A University of Arizona study found that having health insurance does not protect Arizonans from accumulating medical debt, which can delay or forego necessary medical care. The research also highlights the importance of portable and universal healthcare to prevent coverage gaps and reduce medical debt.
A new study found that older adults who engage in regular moderate to intense exercise are 40% less likely to develop small brain lesions, also known as 'silent strokes'. This reduces the risk of falls, memory problems, dementia, and stroke. Exercise does not appear to have a similar benefit for those with limited access to healthcare.
A new report by the Commonwealth Fund found that nearly half of young adults (45%) couldn't afford needed healthcare in 2010, with 40% struggling to pay medical bills. The Affordable Care Act is already making a difference, with over 600,000 young adults gaining new insurance coverage since 2010.
Key findings from the Commonwealth Fund/Modern Healthcare Health Care Opinion Leaders Survey include widespread support for states to implement key health reform law provisions early with full federal support. The survey also highlights concerns about barriers to implementation, such as capacity of state agencies and budget pressures.
A new report by the Commonwealth Fund recommends modifications to current policies to minimize gaps in health insurance coverage and administrative burdens when people's lives change, particularly during job transitions or income fluctuations. The report aims to ensure that individuals can easily sign up for and keep their coverage, re...
The Children's Health Insurance Program Reauthorization Act (CHIPRA) has identified a core set of recommended healthcare quality measures for children, with the goal of improving the nation's child health care system. The measures focus on key areas such as duration of coverage, availability of services, and patient experiences.